| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +4.4% | +5.5 pts |
| Deposit growth (YoY) | +11.2% | +4.0% | +7.3 pts |
| Loan growth (YoY) | +9.1% | +5.6% | +3.5 pts |
| ROA | 1.55% | 1.24% | +0.3 pts |
| ROE | 12.5% | 11.9% | +0.7 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $150.5M | $130.7M | $109.0M | $19.1M | $1.2M | 1.55% | 3.86% | 0.67% |
| Q1 2026 | $157.4M | $137.8M | $105.1M | $18.9M | $512K | 1.33% | 3.64% | 0.46% |
| Q4 2025 | $151.0M | $131.4M | $110.6M | $18.7M | $2.0M | 1.37% | 3.84% | 0.52% |
| Q3 2025 | $139.8M | $118.9M | $103.0M | $18.1M | $1.5M | 1.39% | 3.84% | 0.46% |
| Q2 2025 | $136.9M | $117.5M | $99.9M | $17.6M | $977K | 1.36% | 3.75% | 0.11% |
| Q1 2025 | $148.2M | $124.8M | $102.9M | $17.3M | $462K | 1.26% | 3.68% | 0.19% |
| Q4 2024 | $144.5M | $121.5M | $103.7M | $16.6M | $1.7M | 1.16% | 3.35% | 0.07% |
| Q3 2024 | $146.0M | $117.5M | $102.1M | $16.6M | $1.2M | 1.14% | 3.23% | 0.07% |
Loan mix (Q2 2026): real estate $68.1M · commercial $16.8M · consumer $3.8M · securities $29.9M
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 62.9% | 39th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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